MANOJ KUMARI Vs. GMAC FINANCIAL SERVICES INDIA LIMITED

JUDGEMENT

(1.) -THIS appeal has been directed by the complainant against order dated 27. 2. 2008 passed by Consumer Disputes Redressal Forum-I, U. T. Chandigarh (hereinafter to be referred as District Consumer Forum), vide which her complaint was dismissed with costs of Rs. 10,000 by holding that the complaint filed by her was frivolous and vexatious.

(2.) BRIEFLY stated the facts are that appellant (complainant) got her Maruti 800 bearing registration No. CH-03-K-7543 financed from GAMC Financial Services Ltd. to the extent of Rs. 1,15,000 and the said loan was re-payable in equated monthly instalments of Rs. 2,470 for a period of five years starting from January, 2003. She had paid advance cheques for the entire instalments to respondent No. 1 and the said cheques were honoured till December, 2005 i. e. for a period of three years.

(3.) IT was next averred that she was facing some financial difficulty and needed to get the car refinanced. However, this was possible only if respondents had issued 'no Objection Certificate' or she had paid the entire outstanding loan back to them. She had tried to contact the respondents but could not do so as their office at Chandigarh was closed. She had even approached the Bank but the Bank also did not disclose the address. Left with no alternative, she stopped payment of the cheques for December, 2005, January, 2006 and February, 2006.